2026 Tax Calculator

Tool Guide

About This Tool

Personal Income Tax Calculator computes your Chinese personal income tax and take-home pay based on the latest tax law — including the ¥5,000 threshold, progressive tax brackets (3%–45%), and additional itemized deductions.

Core Features

1. Current tax rates: Uses the latest progressive tax brackets and the ¥5,000/month starting threshold.

2. Itemized deductions: Supports children's education, elderly care, mortgage interest, rent, and other deductions.

3. Social insurance: Customizable social security and housing fund contribution rates for precise net-pay calculation.

How to Use

Step 1: Enter your pre-tax monthly (or annual) income.

Step 2: Fill in social insurance amounts and applicable itemized deductions.

Step 3: View tax owed, take-home pay, and annual reconciliation summary.

Use Cases

Salary negotiation: Quickly convert a gross annual salary offer to a monthly net-pay figure.

Bonus planning: Calculate the after-tax value of a year-end bonus and find the optimal payout timing.

Tax planning: Maximize itemized deductions to legally reduce your tax burden.

FAQ

Q: What is the current income tax threshold?

A: ¥5,000 per month (¥60,000 per year) for individual comprehensive income.

Q: When do I need to file an annual reconciliation?

A: Between March and June each year. If pre-paid tax exceeds the actual amount owed, you can claim a refund; if underpaid, you owe the difference — filed through the Personal Income Tax app.